<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 1,039
<INT-BEARING-DEPOSITS> 6,574
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 9,055
<INVESTMENTS-CARRYING> 23,513
<INVESTMENTS-MARKET> 22,554
<LOANS> 162,692
<ALLOWANCE> 2,545
<TOTAL-ASSETS> 210,281
<DEPOSITS> 124,247
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,603
<LONG-TERM> 70,577
9,418
0
<COMMON> 0
<OTHER-SE> 4,436
<TOTAL-LIABILITIES-AND-EQUITY> 210,281
<INTEREST-LOAN> 9,284
<INTEREST-INVEST> 1,814
<INTEREST-OTHER> 68
<INTEREST-TOTAL> 11,166
<INTEREST-DEPOSIT> 3,633
<INTEREST-EXPENSE> 6,633
<INTEREST-INCOME-NET> 4,533
<LOAN-LOSSES> 2,441
<SECURITIES-GAINS> 10
<EXPENSE-OTHER> 3,742
<INCOME-PRETAX> (943)
<INCOME-PRE-EXTRAORDINARY> (943)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (568)
<EPS-BASIC> (.64)
<EPS-DILUTED> (.64)
<YIELD-ACTUAL> 2.99
<LOANS-NON> 3,371
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 983
<CHARGE-OFFS> 878
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 2,545
<ALLOWANCE-DOMESTIC> 2,321
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 224
</TABLE>